Is 2022 the first year that you were required to make minimum withdrawals? Did you just turn 72 in 2022? If so, you have until April 1, 2023 (not April 15) to take the 2022 RMD. If you take it by April 1 there will be no penalty, but you still have to take your 2023 RMD before the end of the year.
If you turned 72 in 2021 or earlier, the distribution is actually late. In that case, you have to file Form 5329 with your 2022 tax return. Form 5329 calculates the 50% penalty for not taking the RMD on time, but you can request a waiver of the penalty. You will almost certainly get the waiver if taking the RMD late "was due to reasonable error and you are taking reasonable steps to remedy the shortfall." Taking the RMD now is a reasonable step to remedy the error. To request a waiver you include Form 5329 and an explanation statement with your 2022 tax return.
In TurboTax, after you enter the 1099-Rs for the distributions that you did take, and proceed through the interview, you will come to a screen that asks you if you received all the RMDs that you were required to take for 2022. If you answer that you did not, it will lead you through requesting the waiver and entering an explanation. In the explanation, in addition to a brief explanation of why it was late, be sure to say that you took the distribution in January 2023.
TurboTax will include Form 5329 and the explanation in your tax return. There will be no penalty included on your tax return because the assumption is that the waiver will be granted.
